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No Physical Life Insurance

No physical life insurance does exist. Most people expect there to be a physical in order to qualify for life insurance. But there is life insurance that doesn't require a physical exam. Actually, no physical life insurance is generally known as guaranteed issue or simplified life insurance. It is term life insurance no physical exam because you do get to choose the term. However, the premiums for this type of insurance are higher than regular term life insurance because the insurance company does not have the benefit of a physical exam in order to evaluate your risk.

For people who have some health problems or who may be older and wouldn't qualify for regular term life insurance, no physical life insurance can be an way to still provide for a family’s financial future.

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Answer Financial(R) Inc. offers insurance products and services through its licensed affiliates Insurance Answer Center(R) Inc. (California License No. 0B99714), Answer Center Insurance Agency, Inc., and other affiliates. Answer Financial is not an insurance company. Insurance plans and services are from insurance companies and other licensed insurance-related providers. Not all products available in all states. Rates subject to change.
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